Storing seed phrase in different locations does not mean that you can't let your loved ones know about your HODLings.
Wallet backups for yourself, telling your loved ones about your Bitcoin investment and holdings, and giving them inheritance information related to your wallet backups and recovery later, are very different activities.
You can tell your wife about your Bitcoin investment and holding, without any wallet backup and recovery information for her. Do you see difference now?
We have discussed this past before about letting your spouse know about your HODLings Incase if anything happens to you, so they wouldn't be locked out. So this case of storing seed phrase in different locations doesn't mean your love ones will not know about it.
Your spouse and children or other loved ones only can know about your wallet backups and recovery if you want them to inherit your bitcoin and give them those important information to access your wallet.
When you already intended on inheritance of your loved ones, you will surely give them necessary information, including how many backups you made, stored and where those backups are stored.